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Unveiled
Welcome to UNVEILED, the podcast designed for women ready to break free from the confines of societal expectations and rediscover their authentic selves.
I’m your host, Angela Marie Christian, Silicon Valley CFO turned intuitive, clinical hypnotherapist, and conscious mother.
If you've ever felt trapped by the roles imposed upon you—whether as a mother, a professional, or simply as a woman navigating life—this podcast offers a space to explore, heal, and transform. I was once deeply entrenched in the corporate world, checking all the boxes society told me to. But after realizing that true fulfillment comes from within, not from external achievements, I embarked on a journey of self-discovery that changed my life. Now, I’m here to guide you on your own path to empowerment.
We dive deep into conversations that strip away the layers of limiting beliefs and societal programming that have kept you from living a life of true sovereignty. Using neuroprogramming techniques such as ____, we explore how to rewire your mind, break old patterns, and embrace your innate power from within. These intimate conversations are more than just talks—they’re a catalyst for change, designed to energize and inspire you to take actionable steps toward your desires, goals, and dreams. Whether you’re a mother feeling unfulfilled, a single woman seeking more, or anyone looking to ignite that inner spark, UNVEILED is here to remind you of the incredible power you hold within. Join me weekly for conversations that feel like connecting with a close friend—conversations that will leave you inspired, empowered, and ready to unveil your true self.
Unveiled is a transformative space where women embark on a journey of self-discovery, mental wellness, and empowerment. If you’re struggling with anxiety, burnout, or feelings of overwhelm, this podcast is your guide to reclaiming your inner strength and breaking free from societal conditioning. As a mother, especially if you’re navigating life as a single mom, the pressure to meet every expectation can feel insurmountable. Here, we understand the weight of that burden, and we’re here to help you lift it.
Through intimate, connected conversations, we explore practical tools for managing anxiety, stress, and the exhaustion of burnout. You'll learn to challenge negative thoughts, dissolve limiting beliefs, and build unwavering self-confidence. We dive deep into mindfulness practices, cultivating self-love, and the power of neuroprogramming techniques to rewire your mindset. Each episode empowers you to embrace your true self, reclaim your sovereignty, and reignite the spark within that leads to a more fulfilled, purpose-driven life.
Whether you’re struggling to balance the demands of motherhood, work, and personal growth, or you’re on a path to healing and self-discovery, Unveiled offers a compassionate and supportive community. Here, we validate your experiences, nurture your resilience, and inspire you to take action toward your desires, goals, and dreams. Join us weekly to unveil your true self, transform your life, and step into your power.
Unveiled
Money, Intuition, & Financial Sovereignty with Nicole Cesa
Fear is loud when money feels uncertain, but clarity is louder when you understand how the system actually works.
I sat down with financial coach and intuitive, Nicole Cesa of SheInvestor, to map the journey from barter to gold, from paper claims to fiat, and now to Bitcoin, Ethereum, and the broader world of decentralized finance.
Together we unpack what these technologies do in plain English, why stablecoins exist, and how tokenized gold and silver can offer old-world stability with new-world flexibility.
We get tactical about safety: the difference between leaving funds on an exchange and holding your private keys, what cold wallets like Ledger and Trezor protect you from, and the simple steps that make crypto custody feel routine.
Nicole explains Ethereum’s programmable layer, tokenization, and how decentralized lending and trading compare to today’s banking rails. We also zoom out to the macro forces: record debt, inflation pressures, shifting foreign reserves into gold, and why policymakers are eyeing CBDCs for faster global payments—alongside the real privacy risks of tying money to digital IDs.
Rather than spiraling into worst-case thinking, we focus on resilience. That means thoughtful diversification across cash for offline needs, physical or vaulted metals for value stability, Bitcoin for censorship resistance, Ethereum for the DeFi ecosystem, and select stablecoins to stay nimble.
If you’re exploring infrastructure plays, Nicole flags XRP’s potential role in replacing legacy cross-border networks. You’ll leave with practical tools, trusted resources, and a grounded mindset that blends research with intuition—so you can act from confidence, not fear.
If this conversation helps you breathe easier and plan smarter, follow the show, share it with a friend who needs it, and leave a quick review. Your support helps more people find the knowledge to protect and grow their wealth—what’s the one step you’ll take today?
Follow Nicole on IG here.
For all resources Nicole mentioned, see below:
https://calendly.com/nicolecesa/clarity-call
https://www.sheinvestor.com/investing-mastery
https://www.sheinvestor.com/private-sessions
https://calendly.com/nicolecesa/financial-strategy-session
Join Unveiled - The Membership here.
Book a 40 min read with me here.
Subscribe to The Sunday Source here (a free channeling).
Follow me on Instagram here: Angela Marie Christian
Welcome to Unveiled, the podcast. I'm your host, Angela Christian, and I help you with unveiling your true self by peeling away the layers that society placed on you. I do this with a combination of neuroscience, energetics, and ancient spiritual wisdom. I went from underpaid and overworked in corporate America to launching a six-figure company that continues to grow. I went from toxic relationships to being happy and single for over a year as I worked and continue to work on becoming the best version of myself and so much more. My greatest passion is to help women and mothers heal, transform, and become the highest versions of themselves. As I continue to grow and expand my intuitive knowledge and unique wisdom, I'll be including you on my journey to millions. So let's get into it. Today I have an exciting guest coming on, Nicole Chesa. Nicole and I met at Guided Light Healing, which, as most of you know, that is where I've been studying for over a year and a half at this point. Nicole and I met in my very first class there, and it was her first class as well. As some of you know, if you've been listening to the podcast, I've been experiencing reflections around this whole concern with digital ID, what to do with our money, all of that. And part of how I always address fear is realizing that there's just missing pieces of information that I kind of need to fill in, and that will help neutralize it. So I asked Nicole to come on and kind of address all of this, and it really put my mind at ease. I actually left the conversation feeling excited to go check out these alternative opportunities that some I didn't even know about. I hope you'll enjoy our conversation as much as I did and definitely share it with anyone who could benefit. So let's dive in. All right. Well, thank you so much, Nicole, for being here. I'm really excited to dive into all of these topics. Thank you, Angela. I am so excited as well. Yeah. So if you could just share a bit about your background, both finance, intuitive, how you came to be in both worlds. I would love to hear that.
SPEAKER_01:Yes. And I think this definitely deserves a story because it is two different things that seem very separate. So hi everyone. Like Angela said, my name's Nicole. I run a brand called She Investor and I'm a financial coach, educator, and then also trained in intuition as well. My big thing is really to help women build confidence with money, uh, invest and just create financial freedom both from the inside and out. So my background grew up on the East Coast, small town Pennsylvania, very normal East Coast life where you're kind of put in this trajectory of gotta go to school, you got to work hard, and it's gonna be hard. And then eventually you're gonna kind of have like money, retire, that whole thing. And it was interesting because from an early stage, I just felt like life was meant to be more expansive than that. And I didn't want to, I guess, work a job that I felt like I should be working just for the sake of making money. And so I did that though. I started out in sales. And as soon as I started that career and was making some money, I started heavily researching like what it how can I make other sources of income? What is it that wealthy people do? Why are they wealthy and all of that? And that's where I found investing and specifically through the stock market and different financial assets like that is one of the most efficient ways to build wealth long term. And so what I did, I took that information and I built my own investment portfolio that's set up to take care of me long term. And then I just became obsessed with it. I went back to school, I got my master's in finance, and then I worked as an analyst in investor relations for a bit. And so, through that professional experience, I then learned that there was a big gap with women and money and decided that I'd actually like to help women have the same advantages that those that work on Wall Street do. So I left corporate, started my business, and then ran into challenges starting my own business because I realized like finance is not just or success and wealth isn't just numbers. It's very much tied to emotions and your energy. Angela, you know all about this, obviously. And then that's where you and I met. So I came across Al in the guided light healing community and started working with him and through some of his programs and realized that yes, like money is so much more than just numbers. It's your emotions, it's your beliefs, it's how you think and feel about yourself. And the other thing was that through my experience with investing, I had started trading as well. So trading stocks, trading options, which is a little bit more of like a risky investing strategy per se. And what I did was I kept a trading journal. And I noticed that anytime there was a trade, I would, you know, look at all the different factors. And then before I would place the trade, I would tune inward and be like, does this feel like this is gonna go well? And every time that I was not emotional, there was like this inner knowing that like this was just gonna work out. And so, like nine times out of 10, it would be a profitable trade. And then as soon as I'd have all these like profitable trades, I'd be like, okay, like I know this next trade is gonna go well. I would get emotional, I would bet bigger, and then it would just kind of come back to square one. But what I learned through that was like tuning inward and trusting my intuition that helped me make better decisions with my money. And so now I'm playing around with like actually using my intuition to more strategically see how different investments are gonna play out. And it's been, it's been really fascinating how it works. But uh, long story short, now I really combine financial strategy with money energetics and intuitive guidance to give my clients the the best advantages with their money. So that is my story in a nutshell.
SPEAKER_00:Yeah, I love that so much. And I know I think the first class we were in was financial mastery. I think we were in that together.
SPEAKER_01:Yes, it was. I remember you in there because you used to be a CFO, right?
SPEAKER_00:Yeah, so I still have a few CFO clients. So I'm still kind of in both worlds as well. So yeah, it is interesting because it's like I kind of like having the very logical side of like accounting and finance, and then the very like energetic side as well. I feel like it's a good balance. So it is, and the law balance, right?
SPEAKER_01:And we live in a three-day world, so we do need it.
SPEAKER_00:Yeah, exactly. Yeah, and so I know we have some topics we're going to touch on today, and I would love for you to just start with like the history of money. Yes.
SPEAKER_01:I do want to share like a quick financial disclaimer since we are talking about investments. I have to throw this out there. So everything we're talking about is for informational and educational purposes. It's uh should not be construed as financial advice. Okay, perfect. Now, all right. So, yeah, so we're talking about alternative assets, cryptocurrencies, what's happening in the economy. And I remember whenever I first learned about Bitcoin and cryptocurrencies, it was just like really hard for my brain to wrap itself around, like, okay, well, we have cash, and then now all of a sudden there's just like this made-up money on the internet. It's just like I don't understand it, it doesn't make sense. I think a lot of people feel this way. And then when I started researching the history of money, it actually does make sense, at least to me, and seems like there's a real uh use case for it. So the first part of money was kind of like built on this thing of mutual trust and bartering. So there were communities, and all communities help each other out. So you did something for me, I do something for you. And if there wasn't something that could be done in exchange, it was looked at as an IOU or kind of like a debt. Okay. And then bartering was more so when there was someone you didn't know passing through or another community, or you weren't sure if they were going to be able to fulfill that exchange, then you would for something to exchange at that time versus like an IOU or a debt. Now, obviously, there's a problem if there can't be an exchange, right? And so the solution to that was an intermediary asset, which is money. And that's where commodity came into the picture. So a physical means of money that is like a temporary placeholder of value. So most commonly, that's physical money like gold and silver. And these have been used for thousands of years as actual money, but have also maintained their value. So, still to this day, people hold gold, hold silver, and can use it as money in different situations. And the nice thing about this is that there's no third party. So you and I can exchange gold, silver, whatever it is. This is like an example of true sovereignty with your money. And that's one of the reasons I love physical gold and silver. More on that to come. And so then there became representative money, okay? And that is a claim on an underlying thing. So think about like a paper note that you could then go and exchange for something like gold and silver. So it's a right to claim an underlying asset, but you don't have to actually go and exchange it right away. You could also like sell it to someone else, and vice versa. And what that did was provide more convenience instead of carrying around like heavy coins all the time. So that was kind of like the next step up. And then we moved into this era of fiat currency, which is what we have today. So the dollars, and they are completely delinked from anything valuable. So there's technically no value in and of itself, and it's not backed by anything except the fact that it's declared by law as legal tender. So it has to be accepted or it can be accepted for things like debt when you're buying something, but more importantly, for tax payment. So if the government is like, this is the form of money that we accept tax payments through, and everybody has to pay taxes, then everybody is going to adopt that currency because they're gonna need some of that to pay taxes. So that is where currency came in. And it's yeah, it's kind of like funny because if you think about it, it's just, you know, it's it's paper, they print it all the time. Like it's just, but it has value. So, so that is fiat currency. Now, the benefit of this, right, is that we can pay people directly. The deal is done, it's peer-to-peer with cash. There doesn't have to be like a bank involved, right? Especially if you're in person, you know, I can just pay you for a service or vice versa. And then we would individually keep record of that. So if I go to the grocery store, pay cash, I get a receipt that I paid. And then they keep record of that on their system and internal database. So that is, you know, how cash works. And then we can go and put that in the bank, which is like the digital form of cash. And then if we do that, and if we transfer money through our bank or pay something using our credit card, debit card, then that transaction is recorded through the bank or through that service provider, like PayPal, through your credit card company, whatever it is. Okay. And so now that third, there's a third party involved handling that transaction, which is obviously helpful because if somebody is across the country on the other side of the world or only works online, you can't, you're not just gonna like go there and give them cash, right? The bank is a great way to make payments, right? So that is the let's just say the banking system in a nutshell. And every bank has its own private ledger of recording. So if you think about like all these banks spread out, everything is individual and separate. There's no like insight to all of it as a whole. And so that brings me to Bitcoin. And so Bitcoin, it's the world's first cryptocurrency. So think of like the digital coins that were developed through technology. And I just I have to like, I just want to laugh whenever I'm talking about this because sometimes it just sounds so crazy. But but it is really cool. Okay, so its whole purpose is to let you send and receive money to and from anyone, regardless where they are in the world, with just a computer, an internet connection, and does not need uh the involvement of a third party to facilitate that transaction. So it's built on this really cool technology that is designed to record ownership and transactions in and of itself, provide security, and then process like payments all on its own. So it's like this public thing where all of these transactions are listed, a public record keeping system is really what it is. And then you can send payments user-to-user, which is more can be more efficient if you're sending money to someone across the country and just kind of gives you more sovereignty as well with your money. So it's really cool in the way that that works.
SPEAKER_00:Yeah, it's funny because a few years ago I was buying something online and you would get a discount if you used Bitcoin. And so I purchased Bitcoin. I had to like Google how to do it, and then I ended up purchasing too much, so I just had like$50 in my Bitcoin and I couldn't figure out how to cash it out. Now it's worth worth like$300, and I didn't even add anything to it. I'm like, gosh, if I had just like invested a little bit more, you know, it was like it was an accidental investment, but like I'm just letting it stay there. So yeah, let it stay there longer.
SPEAKER_01:Yeah, too. Yeah, it it that's funny too. I remember when I was in college, actually in my undergrad, because I I was studying, it was called Management Information Systems. So it was kind of a pretty tech focused business degree, but there was a bunch of kids in my major who were buying Bitcoin at the time. I was like, I really want to buy some too. And it seems so complicated at that time how to do it. And I do remember buying some a couple years after that, but then I had sold it because I just didn't know what it was going to do today. But we always wish that, you know, we did things years ago, but that's the way that is, right? Yeah, so that's Bitcoin and a couple other like points here that are really cool is like it anybody can buy it, and like regardless of your credit score, status, whatever, it's just really like a public accessible form of money for anyone, which is pretty cool. And then let's see here now. Through okay, so through the technology that it was built on blockchain, there can be other, so other cryptocurrencies can be built on that too. So you've probably seen if you follow this at all, like there seems like there's like thousands of other digital coins, and they are, and it's cool, but it's also it can be, you need to have a little bit of discernment with what you decide to buy too, because this is where you'll see all these like pump and dump scams or meme coins. And there, there's just a lot of honestly, like scams out there with cryptocurrency. But one of the so the next biggest one, the next biggest one is called Ether or Ethereum. And so I want to talk about this one too, because this will help under like explain how this technology can, it's like money, but you can also do things with it. And it's really like redefining the way that we work with money. So it's really redefining the whole financial system. So with Ethereum, like if Bitcoin is a flip phone, its whole purpose is literally just to send and receive money, like send and receive text messages. Ethereum is like a smartphone, so it's not just money, but it allows you to have apps on it. So it's programmable. Yeah. Wow, I didn't know that. Yes. So it's a programmable blockchain that essentially like one of the main things it does is it allows for this decentralized finance. And what that means is like, so like Bitcoin is the digital way of cash, sending cash to people, whereas decentralized finance is like digitizing your investments or lending or borrowing or trading. So it's almost like imagine that I have a stock and now it's a digital form, which is called a token. And then you and I could like trade stocks back and forth directly versus going through like the moneymaker who handles all of that. So that is essentially how that works. And another kind of way to look at this is if you needed to get like a if you wanted to take out like a home equity line of credit on your home, but you were in a credit situation where you couldn't do that, you could tokenize your home and allow people to take ownership, partial ownership of your home. You could then use that money for what you need. And then as the home goes up in value, and if you sold the home, right, the the people owning the tokens would, you know, profit off of that, or they could sell it to other people, or you could buy it back. So that's basically what the Ethereum technology then allows you to do, which is really, really cool. So you can like tokenize pretty much anything, it sounds like with this technology.
SPEAKER_00:Wow, I had no idea. That is wild. Yeah. And so if somebody's new to this, I I heard someone say this the other day. Is how risky is it like that someone could, like a hacker, could like hack this information? I've heard it's pretty safe, but I would love to hear your take.
SPEAKER_01:Yeah, the blockchain itself. So the research that I've done, I want to say it's it's definitely no more riskier than the current banking system and internet is. Because all of that is also built on software and technology. And how bit the blockchain is built underneath is like there's it's almost like there, there's all these different computers that are so spread out that goes through all these different checkpoints. And there's so many that it's basically impossible to hack the actual technology because of how it was designed. But what is risky is the potential to lose your Bitcoin if it's stored on like an exchange or something like that. So that is definitely, yeah. So there's a couple ways to uh purchase cryptocurrency. And one of the most common ways is through it's called a centralized exchange. So it's like it's basically like an online broker for crypto. So where Fidelity is an online broker for stocks and bonds and other financial securities, crypto exchanges are that for crypto. So Coinbase is a big one, crypto.com, Kraken, Binance, there's a bunch. And with this, it's really easy to buy it. It's it's legitimate, it's a legitimate way to buy cryptocurrency. The the problem or the the challenge there is that for you to really truly own your cryptocurrency, there is a private key associated with it. And the exchanges hold your private keys whenever you buy. And so if that exchange gets hacked, then technically they could steal the hackers, could steal your crypto. And I've seen this happen to people. The other thing that had actually happened to me was I bought crypto through an exchange like this, and I just kept it on the platform. And then that company had lent out some of the money to another company that then defaulted on that loan. At the same time, crypto was going down, so everyone was trying to withdraw their money and they froze everything, so nobody could get their money and they went bankrupt. So that was a whole thing. Fortunately, though, there was another company that then came in, and so they've paid out the majority of it, but it still was like a very frustrating thing because that's a very real scenario that could happen.
SPEAKER_00:Yeah. Okay, so I didn't know that. So it would this be like what Al talks about with like Ledger. Is that what it's called?
SPEAKER_01:Like the little so yeah, so that's different. So okay, yeah. So Ledger, and then there's another one that's really good, uh, Trezor, the T-R-E-Z-O-R. Those are what are called cold hard wallets and they're stored completely offline. Okay. So your crypto, when you buy the crypto, it's on the blockchain. And then the wallet, the cold wallet, it's a physical device. The physical device is what stores the private key. Okay. And so that's the safest option. And then what's great too is like if you use lose a device, there is a passphrase where you can get a new device, put that in and get it back. So it's kind of like a nice safety mechanism. Yeah. But if you lose that passphase and you lose a device, then there that's going to be a problem. So you want to make sure that you have that written somewhere, saved somewhere, saved in multiple places, broken up in multiple places. Yeah. Especially if you are, if it's growing, if you have a lot of money in there, you definitely don't want to skip out on taking the extra steps to make sure that it is indeed secure.
SPEAKER_00:Yeah. Okay. And so if you have money on like, so I think mine's just on like the Bitcoin app. Okay. So can you, if someone has it on like the Bitcoin app, can you transfer it to like a ledger or the other one that you had mentioned? Yes.
SPEAKER_01:Yeah. So you would essentially you'd have a wallet through the the the wallet, and you would just send it to that Bitcoin wallet through that device. So you can just directly transfer it, which would be easy. And then the other thing you can do too, at least with Ledger, I know, is you can actually buy crypto directly through your bank account to the ledger device. So it comes with like a an app that facilitates that transaction. So while that app is connected to the internet, your device still needs to approve any transactions. And so it keeps everything safe that way. So that's the other way that you could buy it as well directly to the cold wallet.
SPEAKER_00:Oh, okay.
SPEAKER_01:And so you said that's like the safest way or yeah, that that's the safe, the safest way to store it would be in the cold wallet. Um, it seems like to me, it's it's fine either way. If you're gonna buy it through uh one of the exchanges like Coinbase, it's pretty straightforward to buy it and then transfer, but also through the actual device too in the interface, you just connect your bank account basically and then transfer it and and pay. There's there is like a a payment service provider that basically like the only way I can describe it is converts the dollars into digital currency. So there kind of is like it seems like a couple of steps with that buying process, but that yeah, you can you can purchase it either way. Okay.
SPEAKER_00:And so Bitcoin and Ethereum, are those like the two top ones, would you say?
SPEAKER_01:Or yeah, they're the two top ones. They are the most popular ones, they're the ones that have the most money in them as well. The other thing that's really interesting to note is that the US government is the second largest holder of Bitcoin now as well. Wow. So if they're involved in something, yeah, like okay, they want it to go well, but it's also scary because you they have a lot of power over the price, too.
SPEAKER_00:Oh, I see. Yeah, because I think when I purchased, I don't think that was the case.
SPEAKER_01:Was is that something new that they they've been buying more and more? And because the problem is because it's not regulated, it's not, and because it's not backed by something either. So, like stocks are backed by companies, your mortgage is backed by your house. I mean, the dollar though really isn't backed by anything. So there's that. But because it's not backed by something physical in the finance world, it's not considered an actual investment or asset. And yeah, so so that's kind of the big debate. But now it seems like there's more understanding around it. They're working on a way to create a regulated form of it, their own, and you know, all those things. So the more people that get on board with it, utilize it, accept it, the the more the price will drive up with this stuff. So okay.
SPEAKER_00:Yeah, okay. So from here, you can tell me where you want to go, but something that has been just on my mind a lot, and I know of a lot of people's mind is this whole digital, uh, digital ID, digital currency, the CBD, C D B Ds, and like how we can protect ourselves and like safe investments. And I know you can't give like, you know, financial advice, but just like generally speaking, like I've been trying to invest in actual gold and silver recently. I know there's uh also you had shared with me privately that there's is it called it's like a coin backed by gold. Like wherever you want to take this, I would love to just touch on those things. Like I didn't even know there was a coin, like a digital coin you could purchase backed by gold. So like, yeah, I'm sure I'm not the only one that didn't know that.
SPEAKER_01:So yeah, I mean, that's something really cool. Yeah, we can touch on that first, and then we could take a step back and just I would love to address the debt situation because that really honestly ties into this whole CBDC and digital ID situation. And it it it honestly makes sense. So yeah, the stable coins, all stable coins are for anyone who hasn't heard of this term before, it's also a cryptocurrency, but it's designed to maintain a stable value. And the way that happens is being pegged to something physical outside of the blockchain one-to-one. So there is a US dollar stable coin. And so for every uh stable coin you own, there is a uh one dollar in reserve physically. So that's how that works. And then other countries do this too. So there are stable coins for the euro, the British pound, Australian dollar, and others as well. But the whole thing is that it's you know one-to-one. So think of it as if you buy a uh USD stable coin, then it's kind of like the same thing as just putting money in a savings account. It's not gonna change in value. Okay. That makes sense. So that's how that works. And then there are stable coins pegged to both gold and silver. And I recently researched these more, and I kind of like this throughout more than the physical storage of gold and silver. So there's two companies. So there is a gold one called Paxos P A X G is the, I guess, cryptocurrency. Ticker, let's call it. And so this one it's pegged to gold. And when you buy it, you also own a physical ounce of gold that's stored in a vault that you could actually redeem it for if you want. But you also don't have to pay storage fees because how the blockchain is designed, those costs are kind of taken care of collectively through any uh like transaction fees of buying and selling. So, like I could, you could, if you buy Paxos, I could buy it from you, you could sell it from me, you know, vice versa. So it's kind of a nice way to get in and out of something versus like having it physically shipped to your house or physically shipping it back or paying storage fees as well and premiums on the price. So the the stable coin situation for this helps offset those costs, which is cool. And then the same thing with this silver one. So it's K-A-G, it's a company called Kinesis Money and same situation. So it's stored in a vault. You can get it physical if you want, but you can also just hold the coin and buy and sell it if you want. So it's it's it's really I think it's really unique. I really like both of them.
SPEAKER_00:Yeah. No, I love that. And do those, do they have any kind of like, you know, our money is supposed to be FDIC? Is there any kind of assurance? Like, what if someone broke in there and stole all the gold or silver or something?
SPEAKER_01:Like, do you know if there's I'm pretty sure the gold one is whenever I looked. I know there was something where it was insured. And then for the silver, I want to say yes because I I know when I was looking at these, I'm very particular at what I'm willing to put my money in. And I was considering putting my money in this kinesis one. But I want to say yes. I would just say look at the website, do some research first, just to double verify that. But I do know because I was also looking at this, like if their company essentially went down because these coins are still on the blockchain, you would still own it.
SPEAKER_00:Oh, okay. So you still own the physical gold or silver.
SPEAKER_01:Yeah. Yeah. You'd still like own like the tokened tokenized version of it that you can redeem for physical. And then you would just need to find like a new interface to access it through, essentially if the their site or company went down, essentially. Okay. Yeah, I like that. That's very cool. Yeah, it's it's really interesting. It's, I mean, it's still kind of confusing, right? But yeah. If you think about this in terms of physically owning it, you can see how there is a little bit more convenience. And the alternative would be I mean, this is similar to a way if you bought an ETF that tracked so like a stock fund that tracked the price of gold and silver, you're capitalizing on the price change, but you're not actually owning the underlying physical gold in that sense. So this is kind of like you could think of it as an ETF for gold and silver, but you actually own it physically as well. Yeah. No, I love that. Yeah. Yeah, I do too. I think I think that that part of this whole cryptocurrency thing is really cool.
SPEAKER_00:Yeah. I know because the thing with like the like having the gold and silver at home and just like trying to track it, like track the value, like when you purchased it versus now. It's I'm sure it's probably easier to do that on those sites where it's like, yeah.
SPEAKER_01:Yeah, because you have that interface and it just shows you what the current price is and all of that. And then yeah, it's easy to make, you know, an exchange if you if you need to.
SPEAKER_00:Yeah.
SPEAKER_01:Okay, very cool. Yeah. So that is stable coins, and we can kind of go into the debt crisis now. Yeah. All right. So the big, big, big issue, especially in the US, which does affect other countries, which we're seeing, is that we have a huge debt problem. So there's over$37 trillion in debt, which is about$1 trillion in interest per month right now. So basically a lot. And debt isn't something new. So in the past, you know, we've had debt. We've had debt obviously for a very long time. The federal government would just raise the ceiling, meaning it's okay that we have more. They could raise taxes, they would print money, or just issue more debt and then use that to pay down old debt. But we've basically got to this place where we are spending, so it's$2 trillion more than we're bringing in. And then now the government's printing money like crazy. And that's also driving inflation. So if you think about this in terms of a business, an established business, this is if there was an established business who was spending way more than it was making, and all of its expenses it was putting on credit cards, maxing the credit cards out. And then when those are maxed out, it would get new credit cards to use to pay off the interest of the old credit cards. So it's just kind of like this unsustainable cycle. And that is how the government is running its business, basically. So yeah. Yeah. And now it's a problem because we need buy, so we need buyers to help maintain the debt and pay it down. A lot of this comes from other countries. A lot of countries will hold their reserves with the US in debt because they get paid interest, and we use the the US as the reserve currency for international trade and whatnot. And now there's two main reasons. So other countries are now seeing how much we are printing money. And when you print money, that causes devaluation of the dollar or inflation. And so these countries are like, well, our money is getting devalued here. So we don't really know if this is the best place to hold it. There's been a ton of countries buying gold now for this reason, also why gold has been skyrocketing. And then another thing that happened was in 2022, uh, the US froze Russian central bank assets of over 300 billion. And this terrified other nations because it was kind of like, well, our money is safe in the US, but it's only contingent upon if we do what you want us to do. So that also has been driving a lot of countries to pull their money out of the US and put in other places like gold. And all this is uh pointing to is that the US dollar is just losing faith in its ability to be this stable currency. And then the other thing is that we uh facilitate uh international trade through a US system called SWIFT. And these countries, so okay, so because of that, so because of that, they're like, well, we need a new system for international trade, and that can be done through stable coins, so it can be done through digital currency, but they want these things to be stable so it doesn't fluctuate like crazy like Bitcoin does. And that is really what is uh alluding to this whole C B D C uh situation because so uh C B D C stands for central bank digital currency, right? And it's just like the digital version of the country's currency. So it's the stable coin, it's a regulated uh stable coin by the issuing companies or sorry, issuing country. And the benefits of that, like I mentioned, is they wouldn't need to go through the Swift system anymore. They could go country to country, and then it's just also a faster and cheaper way to make payments. So it does actually make sense in general as a new way to do money. But to have that and to have it regulated, there needs to be some way to regulate that. And what they are introducing is essentially a monitoring system, the digital IDs where they your identity and your biometric system is a link to your money. And this isn't anything like new per se, right? Like there are different forms of this, like we use our face to open our iPhone or at the airport. Like there are different forms of this, but it can be a little bit concerning when it's tied to money specifically.
SPEAKER_02:Right.
SPEAKER_01:And so the digital ID, it's just basically the digital version of your physical ID. So you can verify yourself online versus going in person somewhere. Best example of this is no more DMV, which I think everybody can agree, like that would be a great benefit, right? Like not having to go to the DMV. But like there's huge, huge concerns for privacy and surveillance because like underneath that is a system that contains your biometric information and what is that going to be used for? And then as much as you'd like to hope that the people in charge of the financial systems and central banks all have good intent in mind, it's just not the case. Like that's just not how it works. And so if the wrong people get their hands on this stuff, that could really cause some potential issues of like restriction or controlling of financial assets, right? Like if you don't comply with something or some law or whatever we're putting out, then we're gonna freeze your funds. It was kind of like the COVID situation. If you don't get the COVID shot, then you can no longer keep your job, which is absolutely ridiculous because it wasn't mandatory. And we live in a free country, and this is kind of like a similar potential situation that could happen through this. And that that's really the fear. And then one last point here on this is actually recently in Vietnam, over 86 million bank accounts were frozen overnight due to a mandatory biometric verification, and half the country didn't do it and lost access to their funds because they didn't want to comply with this new system. So it's it's it, there are concerns. There are very legitimate concerns.
SPEAKER_00:Yeah. And I remember during 2020, I think is when I first learned about, I think it was China, who they were talking about doing this like social credit score. And they it was kind of similar where and they might have even rolled it out, but where if you don't comply with certain things, like you have some kind of credit score and they can freeze you out of your funds too. And like back then everyone's like, oh, that's conspiracy theory. And like now we're seeing it all, you know, come to light.
SPEAKER_01:Oh, yeah. I I saw that that is already being, yeah, that either what you're talking about or some form of that is being implemented in China. I believe same in India as well. So it's just, yeah, it's unfortunate.
unknown:Yeah.
SPEAKER_00:Yeah. And then I saw something the other day. It was like over the last three months, so many countries all of a sudden are rolling out the digital ID. It's like it's all happening. And it's like, I don't think that's a coincidence, just from my perspective. And like everybody just decides to roll it out at the same time. A little suspicious. Very suspicious.
SPEAKER_01:Yeah. I even saw some stuff about it here in California, and it's always positioned as it's this optional thing that is going to be more convenient and all of that. But there's always another agenda. So you want to make sure you know what the other agendas are.
SPEAKER_00:Yeah. And to that point, it has been getting kind of presented like, let's first roll it out as a way to protect kids. Let's roll out this digital ID to protect kids. Who wouldn't want to protect kids? Well, if you can get everybody to agree, yeah, let's do that, then it's just a matter of time before they roll it out to everybody else. That's kind of how they get everybody on the same page. And it's pretty terrifying because they present it as something that you would think a normal person would think, like, yeah, that is beneficial to protect my child, but they don't know like their actual long-term agenda.
SPEAKER_01:Yeah. You know, what also comes to mind when you say that is just we live in a place of convenience and we just naturally I think people are good people. And so you think that everything is for the good and there's the benefits, but we've stopped asking questions. We've stopped doing research, we've stopped asking questions, we've stopped wondering, do I actually have a choice in this versus just growing up and doing what everybody else around us is doing. And of course, like anybody wants to be a good mom and protect their kid or protect the health of others, right? But you gotta, you gotta uh take a couple more steps to really look in, uh, I think personally.
SPEAKER_00:Well, yeah, and like I have children and I can monitor what they're doing online. I don't need them to have digital IDs, and so it's like it is just about convenience. It's like, oh, well, let's just sign up for this and then we don't have to worry about monitoring our kids. And it's like, I would rather be the one monitoring my child over the government or somebody else, you know?
SPEAKER_01:Yeah, yeah, absolutely, absolutely. You know what's best for your kid. Yeah. Yeah. And then in the US specifically, there was the Genius Act. So that would be something for everyone to go look up. But that was signed into law in July. And so it's not something that has been positioned as a mandatory thing yet. But the the way the US is positioning it is America's gonna become the crypto capital of the world, but it's really the first US regulated system for stablecoins. So basically, like the same thing as the CBDC situation. The reason it's so genius is that instead of just being backed by dollars, it's also gonna be backed by debt. So it's going to be forcing everyone is actually buying debt, which is going to solve the debt situation. Uh, so it's just like it's really interesting. And I don't know how I really don't know how this is going to play out because I think they're also intentionally devaluing the dollar. And like there's a lot of different, so bigger banks will have a lot of cash and money in the banks, and they're depending on like the what what the Fed wants to do with the money supply, they it's determined if they can put that money out into society or not. So there's a lot of money sitting on the sidelines, and it sounds like what they're gonna do is they're gonna allow that money to go into the stable coins, which then is just going to devalue the dollar and which will also devalue the debt. And so in my mind, this is also just a reason for people to invest in hard assets, number one, like gold and silver, because the purpose of that is for value stability and a hedge against inflation. So if there's a lot more money and it's being devalued, that's basically the opposite of inflation. And then, you know, having that autonomy over your money, having some digital currencies or whatever be that way too, where you also, again, you're separate from the, you know, a controlling organization, I think is also really important.
SPEAKER_00:Yeah. Wow, I hadn't heard that yet. Yeah. So that's where we can just like start taking ways to have like sovereignty over our own money.
SPEAKER_01:Yeah, absolutely. Absolutely. I think that like in so in investing, you've probably heard the term diversification. So you want to create a diversified portfolio. You want to make sure that you know your portfolio is set up in a way where you are managing risk, but also getting returns that can satisfy your long-term needs. I like to think about diversification in like my money situation in general. And so if we just think about these potential, you know, this potential digital ID stable coin situation and also potential of the devaluation of the dollar, it's kind of like having some money in all these separate areas. Um, because like number one, cash makes sense. Because if uh like, for example, if the internet goes down or your credit card is expired, right? And you need to pay someone, cash is great for that. If there, if it becomes a situation where people are like forced to go to the system, there's gonna be people that who don't want to do that and they're gonna be using cash. So that's something to consider. And then like gold and silver physically is great because that's separate, that's true sovereignty. Um, and also if I don't know if there's an internet connection issue to having some physical and then also having some crypto on the blockchain is great too, because that's separate. I think kind of like diversifying that way and thinking about it in a way of how can I prepare myself for these different situations to where I know that I'm gonna be okay and not let this whole situation drive you into fear because I mean, history has shown that we've gone through a lot. There's been a lot of different financial changes, things like this. So the world's not gonna end because of this. We got to just keep moving. And then, you know, I think still obviously keeping some money in the system makes sense too, right? Because that's how we operate day to day, and we don't know how this all is going to play out either.
SPEAKER_00:Right. And that's why I was so excited to have you on, because I felt myself going into a little bit of fear and just not understanding how it all works. So, like I love how you broke it all out and even just sharing with the history of money how it evolved, like crypto isn't that much different than you know, than how it started. So I think that's just so important is to educate ourselves and not let fear and you know, worry about what could happen is just like the more that we can educate ourselves, the more we'll be able to be sovereign, basically. Yeah, absolutely.
SPEAKER_01:And I think the problem with the fear too, and thinking and really thinking something's going to play out, is you could also miss out on opportunities for growth. So, one example, when I started hearing about this stuff, I got in fear. There was a point where I sold a large portion of my investments, and then I got the hit to maybe keep some money in my investments because I don't actually know how this is gonna play out. And I did, and they've grown quite significantly since. And it's it's just kind of like this thing where if you plan like Murphy's Law, right? You plan for something, and then how's it going? The worst case scenario just happens, basically. And so I was thinking, well, if I move some money to to like silver and gold, if I have some in crypto and then I have some in stocks, that to me feels really good. I feel like I'm set up for the best case in all the worst case, basically, without having to know the future.
SPEAKER_00:Yeah, no, I yeah, I agree. And so that would be like a good takeaway for people is to do some research, but then also diversify between those different types that you spoke about today.
SPEAKER_01:Yeah, consider diversifying. And also, I would say really tune inward too with this because you can listen. There are so many people online. This is one of my pet peeves about the financial space. There's somebody online talking about something, and then there's equal amount of people talking about the opposite. There are people talking about there's this huge market crash, like in stocks coming. There's other people that are like, that's not actually how this reset's gonna happen. It's actually where stocks are going to explode because of this and because of the devaluation. So it's it's like there are so many experts talking about conflicting things. And even though someone is a really great expert, they will admit, if they're a good one, that they've been wrong before and vice versa. So I think regardless, you have to tune in and figure out what feels best for you and why you are making the financial moves that you're making. And you want to do it from a place of empowerment, not a place of I need to do this to protect my money because otherwise I'm just gonna lose everything and my life's gonna be over. It's no, you're gonna be fine, you're a resourceful human being. And what can you do just to add a little bit of a layer of protection or even get ahead too? Because the other thing is if there is a crash, an actual crash, that is one of the best times to invest and to make money long term. So there's a lot of different ways that you can play this, really.
SPEAKER_00:Yeah. And I think, well, for those of you who listen, you'll know what reflections are. But I noticed I was kind of letting this get to me because I started having a lot of reflections around blind being blindsided. And I realized, oh, I'm feeling like I'm gonna be blindsided. And that's when I started thinking, okay, I just need to understand. I need to have someone like Nicole come on and just break it down and share the information, right? And so there are so many, so many things that you can do right now to just like prepare, just like you're saying. And I think one thing I didn't quite understand is even, and you know, this is a totally different topic, but I didn't even understand how the Federal Reserve was created. Like I didn't really start researching that and understanding that until recently, you know, and it's like there's so much there that I guarantee most people don't also know the history of like the Federal Reserve, how it was all started, all of that.
SPEAKER_01:Yeah. Yeah. There's a really good book that it's one of the only books that I read start to finish, but it's on Bitcoin and blockchain, and then it also talks about the history of money. So it's called The Basics of Bitcoins and Blockchains. Oh, okay. It's a great book. It is, there's definitely a lot of technical parts to it, but it can help just understand that history in more depth and also understand blockchain and cryptocurrency in more depth too. So if you guys want to go deeper with that, I would definitely suggest that book. I would suggest doing some research on the Genius Act, digital IDs, just kind of in keeping up to date with what is going on with where you live specifically too. Because especially in the US, sounds like all of this is being rolled out on a state-to-state basis. I do not see every single state here doing this, but I there are states that are definitely doing this. So it's just being in the know and and keep and staying informed. Yeah, exactly.
SPEAKER_00:And if somebody wants to learn more from you, where can they find you? And like what do you have? I know you have master classes, all of that. So if you could share that as well.
SPEAKER_01:Yes, thank you. I'd love to. Okay. So what I have going on right now, I have an investing mastery program that I will be kicking off again in February. So it's a step-by-step program where I take women through a process to confidently start investing across stocks and other alternative assets like we talked about today, so that you feel good about setting yourself up financially long term. So that is kind of the main thing I have going on. And then I also offer private sessions, both on the financial strategy side as well as intuitively tapping in your energy, identifying the blocks in the way of creating and building wealth. And then uh something I also offer is free calls with me. So if you're new to my community and are just not quite sure what you need, where to go, that is a no pressure call to really just dive in and figure out what the best next step is for you. So that is what I suggest. I'm also on Instagram at Sheinvestor, and then I have a personal account as well at the Nicole Chesa. Instagram has been a thing. I just how do I position myself? What are we what are we focusing on here? But two places you can connect with me. So that is that is that.
SPEAKER_00:Okay, perfect. Is there anything else that we didn't cover that we had talked about covering before?
SPEAKER_01:I think that's everything. Yeah, we talked about alternative assets, the world stuff, how to purchase, purchase cryptocurrency. Okay, I will share one other thing that I think could be a really good investment, and that is XRP. And just in a nutshell, XRP is another top cryptocurrency, so a lot of people holding money in it. And that is essentially the technology that looks like it's replacing the Swift network. So that could be a really game-changing thing right there, too. So if you are looking into investing in cryptocurrency, that could be something as well to look into in addition to Bitcoin and Ethereum.
SPEAKER_00:Okay, awesome. And yeah, I feel like I have a lot to go research as well.
SPEAKER_01:So much. One thing at a time, though. One thing at a time. There's always an opportunity. So nobody's behind, nobody needs to freak out. Everything is going to be okay.
SPEAKER_00:Yeah. Oh, well, thank you so much for coming on and just explaining this. It's so, and I love how neutral and just very knowledgeable you are because that is going to be the leaders now going forward, or like I can just see people who are just neutral and are just sharing information, you know, not trying to convince people of one thing or the other. It's just like this is the information and like using your intuition to, you know, use discernment.
SPEAKER_01:So absolutely. Well, I appreciate you having me and allowing me to share this knowledge with your audience. Love your energy, love what you're doing, and this has been really amazing.
SPEAKER_00:Yeah, thank you. Thank you for listening to Unveiled. I always love hearing your takeaways. So please connect with me on Instagram at Angela Murray Christian and feel free to tag me when you share it with your friends. Every single review matters, and it helps me reach more people who want to improve this world. If you leave a review, let me know and I'll send you a little thank you gift. Any resources mentioned in the show will be linked in the show notes, sending you all love.